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  • Yes Prosperity Rewards Plus Credit Card

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    As the name suggests, YES Prosperity Rewards Plus Credit Card is an exceptional card that is designed to reward you every time you swipe your card. The credit card offers great discounts on dining, movies, and retails spends.

    YES Prosperity Rewards Plus Credit Card key highlights

    • Get 1,250 reward points on spending Rs.5,000 before 30 days from the date of card issuance.
    • Enjoy accelerated reward points on birthdays, dining bills, international and online spends.
    • Enjoy preferential interest rate on revolving credit.
    • Under YES Privileges, enjoy great offers on dining, travel, shopping, and wellness expenses in select cities.

    YES Prosperity Rewards Plus Credit Card lifestyle benefits

    • Earn 12,000 bonus reward points every anniversary year if your annual spends exceed Rs.3.6 lakh.
    • Earn 5 reward points on every Rs.100 spent on your birthday.
    • Earn 4 reward points on every Rs.100 spent to make international purchases.
    • Earn 3 reward points on every Rs.100 spent on dining or online shopping.
    • Earn 2 reward points on all retail spends made using the card.
    • Earn 100 reward points on making 4 transactions of Rs.500 or more in a billing cycle (Valid for the first 6 billing cycles only).

    YES Prosperity Rewards Plus Credit Card features and benefits

    • Rewards redemption option: Convert your reward points into JPMiles and use it to book your flight tickets. 4 reward points will be 1 JPMile.
    • Fuel Surcharge waiver: Enjoy fuel surcharge waiver at all fuel outlets in India for transactions between Rs.400 to Rs.5,000.
    • Credit shield: Also, get credit shield in case of accidental death of the primary cardholder.
    • Concierge services: Get 24x7 dedicated concierge assistance who will help you with hotel reservations, flight bookings, restaurant referral, movie tickets assistance, and flower and gift delivery.
    • Automobile assistance: Get 24x7 emergency automobile assistance with your YES Prosperity Rewards Plus Credit Card. You can use this service for emergency towing assistance or roadside repair.
    • Card Protection Plan: Safeguard your credit card with the Card Protection Plan. This feature protects you in case of loss of card, theft, or fraud.

    YES Prosperity Rewards Plus Credit Card fees and charges

    Type of fee Amount
    Joining fees NIL
    Annual fee NIL
    Finance charges For YES Bank salary and savings account holders- 2.99% per month and 35.88% per annum. For Non-YES Bank cardholders: 3.22% per month and 38.64% annually.
    Cash advance charges 2.5% of the advance amount
    Over limit charges 2.5% of Over Limit Amount or Rs.500 (Whichever is higher)
    Add-on card fee Nil up to 3 cards
    Late payment fees Outstanding balance up to Rs.100- Nil From Rs.101 to Rs.500- Rs.100 From Rs.501to Rs.5,000- Rs.400 From Rs.5,001 to Rs.20,000- Rs.500 Above Rs.20,000- Rs.700
    Returned cheque Rs.350
    Foreign currency mark-up charge 3.40% on the transaction amount
    Duplicate statement request Rs.100 per statement
    Re-issue of lost or stolen card Rs.100

    Eligibility to apply for YES Prosperity Rewards Plus Credit Card

    To be eligible to get a YES Prosperity Rewards Plus Credit Card, you need to fulfill the following eligibility criteria:

    • You should be a minimum of 21 years.
    • You should not be over 60 years.
    • You should be a salaried individual or self-employed.
    • Your minimum net monthly salary should be Rs.25,000.
    • If you are self-employed, your Income Tax Return should be Rs.5 lakh or more.
    • Or, you should have a fixed deposit with YES Bank.

    Documents requited to apply for YES Prosperity Rewards Plus Credit Card

    Address proof Any one of the documents
    • Passport
    • Telephone bill
    • Electricity bill
    • Passport
    • Voter ID card
    • Ration card
    • Aadhaar card
    Identity Proof Any one of the documents
    • Passport
    • PAN Card
    • Ration Card
    • Aadhaar card
    • Voter’s ID card
    • Driving license
    Income proof (For salaried)
    • Recent pay slips
    • Last 6 months bank statements
    Income proof (For self-employed)
    • Recent ITR (Income Tax Returns)
    • Audited profit and loss statement
    • Balance sheet
    Other documents
    • Duly-filed application form
    • Passport size photographs

    Note: The above list is for reference only. YES Bank reserves the rights to ask you for additional documents if required. However, these are the general documents you will have to keep ready before you start filling the credit card application form.

    FAQs on YES Prosperity Rewards Plus Credit Card

    1. I want assistance to book a flight ticket. How do I reach the YES Bank concierge desk What information should I keep handy?
    2. Please dial 1800119371 to reach the concierge desk. You will be asked to provide your full credit card number, your name, registered phone number, and your date of birth for verification purposes. You can also contact the YES bank’s credit card customer care department at 1800 103 1212.

    3. Is there a maximum limit for the fuel surcharge waiver offered by my card?
    4. Yes. The maximum fuel surcharge waiver in a billing cycle cannot exceed Rs.500.

    5. Will I be charged with a fee when I redeem the accumulated reward points available on my YES Prosperity Rewards Plus Credit Card?
    6. Yes. A reward redemption fee of Rs.100 will be levied when you redeem your reward points.

    7. How do I know about the discounts and offers available on my YES Prosperity Rewards Plus Credit card?
    8. Please visit YES Bank official website and click on “YES Privileges” to check out the latest discounts and offers your card offers.

    9. Is YES Prosperity Rewards Plus Credit Card a contactless card?
    10. Yes. This is a contactless card.

    Other Yes Bank Credit Cards
      

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    Yes Prosperity Rewards Plus Credit Card Reviews

    • YES Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Since the service is good and the bank staffs are very co-operative i have selected the credit card from YES bank. There is no offers available on this card. I have received the credit limit of Rs. 30000 which is less for me. There is no yearly charges on this card. Documentation process was really good because i have sent through online but the verification was done in my home.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 16, 2020
    • YES Bank
      YES Bank Credit Card
      "Nice credit card"
      0.5 4.0/5 "Great!"
      One of the executive called me and offered me YES bank credit card since i had a requirement, i availed this card. I got the card 1 month before. Executive explained me about the benefits at the time of purchase but i don't remember right now. They have provided me a limit of Rs. 30000. When i got the card, they have sent me a welcome kit. I'm satisfied with the bill due date and bill cycle.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 30, 2019
    • YES Bank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      Rate of interest is low so that i have purchased the credit card from YES bank. In online, i have uploaded all my documents. I have not received any call from bank regarding the rejection hence there is no proper follow up. There is no yearly charges for this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 29, 2019
    • YES Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      Its because of the better service and low rate of interest i have applied the credit card from YES bank. I do not know about the benefits of the card. I haven't produce the documents to them. From bank side they have rejected the card and they have not informed anything regarding the rejection name.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 29, 2019
    • YES Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      In YES bank, the customer care people are helped in me a exceptional way. Over due interest rate percentage is 36%. This is a life time free card. On a various website such as Amazon and makemytrip offer available apart from this i get a airport launch access 6 times in a year. So that i have selected this card. I am holding this card for just one month.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 26, 2019
    • YES Bank Credit Card
      "Promised things not met"
      0.5 4.0/5 "Great!"
      From YES bank at the time of purchase they said they will provide a limit of more than Rs. 2 lakhs but they have given me only Rs. 60000. There is no fee on this card. I do not aware of the benefits provided by this card. I have received the card as per their promised time but they haven't given me any kind of joining benefits. Totally, I'm disappointed about the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 23, 2019
    • YES Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Actually service is very impressive as i compared to others thats the reason i have opted the credit card from YES bank. I can use the card in petrol bunks and shopping. There is no annual fee for this card. I already submitted the documents but still some more documents required which i cannot provide it now hence due to that it got rejected.
      Was this review helpful? 1
      , haridwar
      Reviewed on Dec 10, 2019
    • YES Bank Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      I get good feed back from customer regarding yes bank credit card, hence i have chosen this card. Due to the below salary norms they have rejected my credit card. When i received a verification call, i have given all the details then they said I'm not eligible to get this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 08, 2019
    • YES Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      When I applied the credit card with Yes bank, banker has explained the card features very nicely and the way of talking was good. They said its a life time free card and the benefits are good so that i had applied the card. I was unable to provide the documents at the right time hence the card process has been stopped.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 07, 2019
    • YES Bank Credit Card
      "User friendly card"
      0.5 3.0/5 "Satisfactory"
      Already i have a credit card from two different bank since i want to avail the facility of YES bank i have chosen the same. I'm not sure about the offer details right now. They said some annual charges for this card. I haven't provide any documents and i have not proceed the process further.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2019
    • YES Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Yes Bank credit card which was availed through Online .I am happy with the credit limit it was 2,10,000.This card is having good reward points .I have got this credit card on exact time frame and this card is good to use.This card is very useful on every situation .I am really satisfied with the service of this card .
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 18, 2019
    • YES Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      YES bank service and support is very good. I have submitted all the documents for the yes bank credit card. From the bank end, they have rejected the credit card regarding that i have received a messages stating that due to internal policy issue it got rejected.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 12, 2019
    • YES Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have yes Bank credit card which was taken through Online .I have got my credit card on exact time frame without any delay.The credit limit was very less and it was upto 30,000and this was a free card .The process was very comfortable when applied for this card .I have got the same card which was applied .
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 10, 2019
    • YES Bank Credit Card
      "Life time free card"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for choosing the credit card. In YES bank, they have provided me a very less limit. I have been using the credit card for almost 1.5 months. I have received the first month bill and the statement is clear to understand. Its a free card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 23, 2019
    • YES Bank Credit Card
      "No customer satisfaction"
      0.5 1.0/5 "Really Bad"
      YES bank credit card service is poor. They have give me a credit limit of Rs. 28000 which is less and not useful for me when i compared with other credit cards hence there is no interest to use this card. Cash limit is Rs. 10000. No one speaks in Tamil Language in the customer care. When i want to convert my purchase into EMI, unable to do it because of the language barrier.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 23, 2019
    • YES Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have applied for the Yes Bank credit card via online and received the card as earliest, and the documents are collected by the agent, mostly i use this card for shopping electronics item and the limit provided is only Rs.26,000 which is not sufficient.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 22, 2019
    • YES Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      5 months ago, i have bought the credit card from YES bank. Its a prosperity rewards plus card. For every Rs. 100 i spent, i get a rewards points on my purchase. Its because of the life time free card, i took this card. I called the customer care of yes bank and the response was good. EMI conversion facility is available and in few cases, there is no cost EMI offer and in few cases, they are charging me 10% to 13% charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 22, 2019
    • YES Bank Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      I got offer call from yes bank and they provided me a prosperity rewards plus card. I got limit of Rs. 30K which is enough for me. There is no annual fee deducted for this card since its a life time free credit card. I am getting a rewards points on my purchase but i don't receive any special offers.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 11, 2019
    • YES Bank Credit Card
      "Simple documentation process"
      0.5 5.0/5 "Blown Away!"
      Just purchased the credit card because its a life time free credit card and I'm not sure about the benefits provided by this card. They have sent the card on time to my residential address. I'm convenient with the credit limit provided to me. Documentation process was good. Actually i got the card but i need a pin to start the process when i contacted the customer care, they said i will receive a post with a pin number and i waited for 1 week. Again i called the customer care, the executive guided me in a proper way and i got the pin number through online banking.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 03, 2019
    • YES Bank Credit Card
      "Till now best one"
      0.5 4.0/5 "Great!"
      Just want to try the yes bank credit card hence i opted for this card. I received the card 1 month before and the limit of the card is Rs. 1 lakhs thats convenient for me. I'm getting a rewards points on this card. There is a 10% cashback offer going on Amazon but i have not used. I have received the card on time. I want a wireless card but they have given me a chip based card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 03, 2019
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